Hartwell, GA Car Insurance

Hartwell drivers pay, on average, around $72 a month for their car insurance. Learn more in our handy guide below.
What rates should residents of Hartwell expect to pay for their car insurance? How does Hartwell compare to the surrounding area and the rest of Georgia? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Hartwell?

Area Average Monthly Car Insurance Premium
Hartwell$72
GA$104
United States$80

Based on the chart above, you can see that coverage in Hartwell typically costs about $32 a month less than it does in the rest of Georgia.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Hartwell is rather affordable. The average monthly payment for the United States as a whole is about $8 more expensive than in Hartwell.

While these are the average car insurance rates for Hartwell, keep in mind that you could end up paying a different amount. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't worry, we've done the work for you and broken down the average rates for Hartwell to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$123
25-34$73
35-44$62
45-54Not Enough Data
55-64$60
65+$64

Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. You may see your rates start to rise again once you hit retirement age in Hartwell.

Average Car Insurance Rates by Gender

Gender Average
Male$69
Female$73

Although women typically pay less than men do to insure their car, this is not the case in Hartwell, where female drivers pay around $73 per month while male drivers pay about $69.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$107
1 Ticket$78
Multiple Tickets$112

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Hartwell with a single accident on their record is about $100 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $78.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$103
2-3 Years$49
4-5 Years$111
6-7 Years$100
8-10 Years$75
11-14 Years$72
15 Years or Older$67

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Hartwell, with drivers paying around $63 per month for auto insurance.

SUV drivers will see rates of about $74, while the rates for car owners average out to about $73 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Hartwell, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$80
Married$59
Divorced$61
Widowed$56

On average, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Hartwell can be as much as $21 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$64
Rent$73
Live with parents$118

Another factor taken into consideration is your housing status. Homeowners in Hartwell can expect to pay around $9 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Hartwell, GA

Recent trends in car insurance for Hartwell drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Auto insurance rates in Hartwell had been decreasing from 2016-2017, before steadying out in 2018. Rates dropped again recently, hitting a low of $62 in 2021.

How does Hartwell compare to neighboring areas?

Why are car insurance rates in Hartwell different from other areas?

There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Road Safety (how many accidents each locality has)
  • Area crime rates
  • Laws
  • Availability of off-street parking
  • Number of drivers in the region

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Hartwell?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Hartwell.

Compare the cheapest quotes from dozens of insurance companies

Hartwell Insurance FAQs

What factors affect car insurance quotes in Hartwell?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Hartwell different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Hartwell?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Hartwell?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Hartwell or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes